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Holiday spending can easily get out of control. Here are some tips to allow you to stay in the holiday spirit without busting your budget.

Not everyone has a big cushy salary, but that doesn't mean you can't save money ... Let's see what kind of future R100 a month could afford you... Read More

In an age of online banking and smartphone apps, many people no longer bother to balance or their cheque accounts. Learn why you should balance your account

Do you need to borrow money? ... Deciding whether you should be borrowing money. There are some very important questions you need to answer...

Do you need to borrow money? ... Deciding whether you should be borrowing money. There are some very important questions you need to answer...

“Spend less than you earn and stay away from consumer debt”. Whilst this is something we all need to learn and apply, when you find yourself in a big hole of consumer debt it is about as useful as being told to “mind the hole” after you have fallen into it.There also isn’t a natural […]

One of the biggest differences between the wealthy and the less wealthy is that wealthy people earn interest and everyone else pays interest. It is important to realize that money is a tool that can help you to achieve your goals. For you to reach true financial independence, you need to have your money begin […]

If you're planning to start a budget, you might be tempted to jump in headfirst. Here a few things to do before you budget,

Save? Spend? Or both? The desire to prepare for the future and save versus the impulse to live for the present and enjoy earnings now. People know that there are no guarantees for tomorrow. But they also don’t want to live out their retirement years with limited choices, or none at all.

As the year starts, we hear plenty advice about how we should be in control of our finances and invest money. But how do you start to invest in a tight economic environment such as ours? Most South Africans are behind in saving for retirement. Few have little money set aside for emergencies. Whether you’re […]

Dear Reader, For Entrepreneurs struggling to balance the books it would be wise to set regular forecasts, invoice quickly and make it easy to pay. Cash flow is the most important thing to the financial health of any small business. Making sure you have the right amount of cash flow can make or break a business. …

Dear Reader, How many times have you said “I really should start saving” and come month-end there is always something “more important” to spend the money on? December is a time when people tend to over spend and get into debt. Come January you are more broke than ever and deeper in debt. Sometimes the …

Dear Reader, When it comes to financial fears, debt is the ultimate four letter word. Whether you have credit card debt, or student loan debt, or want to buy a home or a car that you will finance, you’re dealing with debt. Or more to the point, it’s probably throwing you for a loop. Debt …

Dear Reader, You wouldn’t believe what holiday is coming in next month…CHRISTMAS! The consumer driven, debt inducing holiday season that drives us all. Even though it’s still too early to get in the holiday spirit, it’s not too early to start sounding the debt warning alarm. Between all the gift giving, baking, entertaining, card mailing, and general merriment …

Dear Reader, The best rule of thumb for managing debt is an easy one: Don’t spend more than you earn. It sounds simple. But considering the multitude of options out there — from credit cards to personal loans — it’s also possible to lose track of how much you owe and to whom. It can …